Closing the Gaps in Your Financial Safety Net

Your health insurance is essential, but it doesn't cover everything. Supplemental insurance provides an extra layer of protection, paying you cash regardless of any other insurance you may have, to help with indirect expenses when you need it most. Expenses such as lost income, house payments, car payments, utilities and more.

What Can Supplemental Insurance Do For You?

These policies are designed to protect your savings and lifestyle when life throws you a curveball.

Cancer Insurance

Provides a lump-sum cash benefits upon diagnosis and additional cash benefits because of treatments needed and expenses incurred to help cover treatment costs, travel, and everyday expenses, so you can focus on recovery, not finances.

Good for:

Everyone, especially those with a family history of cancer.

Sarah's Fight

"When Sarah, a 42-year-old teacher, was diagnosed with breast cancer, her world turned upside down. While her health insurance covered most medical bills, it didn't cover the mortgage, experimental treatments, or travel to a specialized clinic. Her cancer policy paid her $50,000 directly, which she called her 'lifeline.' It allowed her to take unpaid leave and access the best care without draining her family's savings."

Accident Insurance

Pays cash benefits directly to you for injuries sustained in an accident. Use the money for co-pays, emergency room visits, physical therapy, or even household help while you recover.

Good for:

Active individuals, families with children, and those with high-deductible health plans.

Mark's Recovery

"Mark, an avid cyclist, broke his leg in a weekend accident. The ER visit, surgery, and physical therapy added up quickly. His accident insurance provided thousands in cash benefits, covering his high deductible and the cost of a rental wheelchair. It turned a potential financial disaster into a manageable inconvenience."

Disability (Loss of Income) Insurance

Replaces a portion of your income if you become sick or injured and are unable to work. It's 'paycheck protection' that ensures your bills get paid even when you can't work.

Good for:

Every working adult. Your ability to earn an income is your most valuable asset.

David's Safety Net

"A sudden back injury left David, a 35-year-old graphic designer, unable to sit at his desk for months. With no way to work, panic set in. Thankfully, his disability insurance kicked in, replacing 60% of his income. This benefit kept his family afloat, paid the mortgage, and allowed him to focus on rehabilitation without the stress of impending financial ruin."

Critical Illness Insurance

Pays a lump-sum cash benefit when a covered serious illness strikes, helping with medical bills, travel, and daily living costs—so you can concentrate on getting well.

Good for:

Anyone concerned about the high costs associated with major health events.

Laura's Lifesaver

"Laura suffered an unexpected stroke at 55. Her critical illness policy provided a lump-sum payment that she used to pay for specialized rehabilitation therapy not fully covered by her health plan and to make her home more accessible, reducing the financial strain on her family during a stressful time."

Chronic Illness Insurance

Offers financial support if you are diagnosed with a chronic condition and are unable to perform two of the six activities of daily living (ADLs). This benefit helps cover the costs of long-term care, whether at home or in a facility.

Good for:

Individuals planning for long-term care needs and protecting their assets from being depleted by care costs.

Tom's Independence

"When Tom was diagnosed with a progressive chronic illness, his main concern was being a burden on his family. His chronic illness benefit provided a monthly stipend, allowing him to hire a part-time home health aide. This maintained his independence and gave his family peace of mind."

Hospital Bridge Coverage

Helps 'bridge' the gap left by your health insurance by providing cash benefits for each day you are confined to a hospital. This can cover deductibles, co-pays, and other non-medical expenses that arise.

Good for:

People with high-deductible health plans or anyone who wants extra financial protection against hospitalization costs.

Maria's Peace of Mind

"An unexpected bout of pneumonia led to a five-day hospital stay for Maria. Her hospital bridge policy paid her a fixed amount for each day, which she used to cover her entire health insurance deductible and pay for childcare while she was away from home, preventing any disruption to her family's finances."

Protecting What Matters Most, for Your Family & Your Business

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